Best Place to Find an Insurance Policy in Portsmouth, NHIt isn’t uncommon for people to type into a Google search bar, “best place to find car insurance” or “best insurance rate.” There are many ways to purchase an insurance policy but there are countless benefits of buying from an independent agent.

As an independent insurance agency, we want to explain why buying your insurance policy through a company like ours is always the best option.

First and foremost: Choice. 

We represent multiple, top-rated insurance companies. Some great local ones as well as some nationally recognized names. This means you get the best coverage and pricing from many of the best companies in your state. Our licensed agents will search our network of great companies to find you the best rate and coverage on your car, home, business, or life insurance policy! One call to us can save you hours of time.

Secondly: Options.

We can discuss what coverage options we feel would be best for your specific needs. We can explain what happens when you have specific coverage options vs. not having the coverage options. We can shop your deductible and let you choose a lower or higher and show you the differences in your premium all with the click of a mouse. With this information you can make the choice on what works best for you. We always want to make sure you fully understand your options so you can make an informed choice on your insurance policy.

Thirdly: More discounts.

Being an independent insurance agent, we also will search for available discounts. Whether it is bundling multiple policies together or finding other ways to save you money, we understand saving money is important to all of our customers. We take pride in finding you discounts! If you are unhappy with your insurance price at renewal time, let us re-quote you with one of our other carriers.

Lastly, we’re local!

We work and live in your community. We are always a quick phone call or email away. If you need to add a vehicle, remove a vehicle, get a quick quote on a motorcycle or boat you’re interested in buying, or want to add umbrella insurance, we can help. You can get this information over the phone or we can email you options for you to review at your convenience.

Insurance can be confusing which is why the best place to find an insurance policy is through an independent insurance agent. We will answer your questions, provide you with many coverage choices and will find ways to make your insurance coverage affordable. Contact us by calling our office, requesting a quote through our website or simply emailing us.

Commercial Auto Insurance Portsmouth, NHWhen many people think of a commercial auto insurance policy, they may think of big vehicles such as semi-trucks, box trucks, garbage trucks, etc. However, there are many variations of vehicles that would qualify for a commercial auto insurance policy.

How to Determine If You Need a Commercial Auto Insurance Policy

If you are using your vehicle or your employer’s vehicle for business purposes, you need a commercial auto insurance policy or endorsement. For instance, many people are working in the gig economy in jobs such as delivering food with your own vehicle or doing rideshare. It is important you have the right insurance coverage. If you do get into an accident where you are making a food delivery and damage your vehicle or someone else’s property, your standard personal car insurance policy will likely not cover you. Contact our agents with any questions you may have.

Here is a quick reference to help you determine if you need a commercial auto insurance policy:

  1. Using your vehicle to carry business equipment
  2. Freight transportation
  3. Towing vehicles
  4. Delivering food or goods (Amazon drivers, food delivery drivers, newspaper delivery)
  5. Using your vehicle to chauffeur people (Uber or Lyft Drivers, taxi service)
  6. Transporting material

How Is A Commercial Auto Insurance Policy Different Than My Personal Auto Insurance?

Since your vehicle is being used for business purposes, there are different risks that need to be insured. Additionally, the rating system used by companies is entirely different than a personal auto policy.  Each commercial policy needs vary, so have a discussion with your agent to discuss your specific policy limits. For business owners with many vehicles to insure, business auto fleet policies are available. Additionally, consider adding a commercial umbrella policy above and beyond your standard commercial auto policy to protect your business from a catastrophic vehicle accident claim.

How Much Does Commercial Auto Insurance Cost?

Just like your personal auto insurance policy, a commercial auto insurance policy is rated on many factors. Here are a few common examples of what could determine your insurance rate.

  • Driving records
  • Driver age
  • Credit history
  • The size & type of your vehicle
  • The number of vehicles you are insuring
  • What you plan to transport

Not Sure What Kind of Coverage You Need for Your Business?

That is where we can help.  Our agents can help determine what type of coverage will be the best fit for your specific needs. If you plan to use your vehicle for business and personal purposes, we can help you determine an appropriate type of policy. If you are only looking to cover your vehicle for business use, we can help find you the best rate. We will explain all of your options so you understand your policy. Get a free commercial auto insurance quote by calling or emailing us.

Home Insurance Agent Portsmouth, NHMany people have used the COVID-19 pandemic to assess their current living situation. Whether it is finally getting to those home improvement projects, getting out in your yard or garden. Others felt inspired to make some major renovations to their homes. If you fall into this category, clearly you are not the only one making changes as you stood in line outside The Home Depot, Lowes or your local home & garden department store.

If you have made some significant updates to your home this year, it’s important to relay this information to your insurance agent.

Review the scenarios below and reach out to us if you have made any of the following changes:

  • Updated your kitchen or bathroom
  • Added square footage to your home
  • Built a detached structure such as a shop, garage or office
  • Made energy efficient improvements such as solar panels on your roof

Why Do I Need to Share This Information With My Agent?

Any major update you make to your home can impact the current value of your home. If you ever have to experience a home insurance claim, your insurance carrier has an idea how much it will cost to replace what has been damaged. As your agent, we want to make sure your home has an accurate value for your home insurance policy so you can be reimbursed at the appropriate value.

Has COVID-19 caused long term changes to your lifestyle?

With some major companies extending a work from home approach into the fall season or even the remainder of the year, some people may consider finding a way to work from home permanently. If this applies to you, you may want to create a designated home office to work from.

If you are a small business owner who now is looking to work permanently from home, be sure to let your agent know. Some changes to your home insurance policy may be necessary.

If You Plan To Drive Less, Reach Out To Your Agent

Some people who mainly used their car to commute to and from work, may be finding they are barely using their vehicle. Reach out to your insurance agent to see if can qualify for any auto insurance discounts. Some insurance carriers can provide a discount to individuals who drive less than 10,000 miles a year.

Insurance Agent Portsmouth, NHA local insurance agent listens to your needs then finds a customized insurance policy that fits those needs. When looking for insurance, consider your local, independent insurance agents in New Hampshire. We do more than just provide you with a great insurance policy. Because we live in a “need it now” society, instant quotes for auto insurance, home insurance and more seem attractive. However, these instant quotes don’t guarantee you are getting the best insurance rates and coverage for your situation. Here are some ways a local insurance agent can help you:

Professional Advice

Not sure how much coverage you need to protect your home or confused about what line of insurance you need to protect your small business? Local insurance agents not only want what’s best for you but we’ll provide our professional guidance as well. We’ll listen to your needs, strive to not only educate you on what you are and aren’t covered for, but also counsel you on what insurance company best fits you. Because we represent multiple insurance companies, you get choice.

Did you insurance increase? We can help.

If you have insurance through a direct carrier and you notice your car insurance increases by $300 the following year, you might be thinking it’s time to change carriers.  While your insurance may increase with a local insurance agent, all you have to do is reach out to your agent via email or phone. We’ll shop our many insurance carriers to find the best coverage for your needs & budget. Our agency works to save you time and money by working with pre-selected insurance companies and acting on your behalf to fit you into the right insurance program.

Guidance with how to deal with a claim.

Being involved in an insurance claim can be a hassle, but we can assist you throughout the entire process to make it easier on you. By simply calling us, you’ll quickly learn how to settle your claim and be made whole again.

Build a Relationship

Just like you have built trust with your doctor or dentist, we want the same type of relationship with helping you with your insurance. We strive to build that same trust when it comes to needing insurance guidance or saving you time & money. To us, you’re not just a customer, you’re a valued client who needs to be properly protected.

You Have Questions, We Have Answers

Your lifestyle and needs change over time and we are here to assist you with all of life’s changes. Whether you’re looking to start a business, going from renting to owning a home or needing to insure your new classic car vehicle, we are here to help with all your insurance needs.

We Can Do It All

Since we offer many lines of insurance, we can cover all your needs. Plus, when you bundle insurance policies, it may qualify you to save additional money. Get your home, car, boat and business insurance all under one roof to make it easy for you.

If you are looking to find a local insurance agent in Portsmouth, NH for your auto, home or business insurance, call our agency. We look forward to earning your business and will strive to create a lasting relationship.

For all current clients who know a friend or family member who would benefit from working with a local insurance agency, simply email us to refer a friend!

If you’re one of the millions of Americans that rents a home, condo or apartment, chances are you’ve either had renters insurance in the past, or currently do have a policy. If you don’t have a policy, you’ll want to really pay close attention to this post.

In its most basic form, renters insurance helps cover your personal belongings from fire, theft, vandalism and other losses as well as provides you with some basic liability coverage in the event you’re found liable for bodily injury or property damages. There are also different types of renters insurance policy. A replacement cost policy will help pay for replacement of your items as if they were new. A nice thing considering that depreciated jeans, furniture and computers won’t help you become whole again.

A recent article from the Insurance Information Institute states that less than one-third of all renters (31%) have a renter’s insurance policy. Why is that? Do people assume that since they pay rent, their items are covered by that rent cost? Do they assume their landlord has insurance and it would cover this loss? Do they think maybe their auto insurance covers some items? The answer to this is that none of these items will likely cover any of your items. Only a renter’s insurance policy will.

There are 2 basic types of renters insurance:

  1. Actual cast value: Pays to replace your damaged or stolen items up to your policy limits, less depreciation.
  2. Replacement cost: Pays to replace your damaged or stolen items up to your policy limits with new ones, no depreciation.

Some additional things to consider is if you have expensive jewelry, musical equipment or collectibles that you want to insure. This may require a “floater” to be added to your policy.

One last item to ponder is how much liability you want to be covered for. You can get up to $500,000 in liability coverage. This will protect you from lawsuit. If you want even more coverage, you should consider a personal umbrella insurance policy. This goes above and beyond you renter’s limits to provide even more coverage.

Renters insurance is very inexpensive. It can come in around just 50 cents per day.